If you want to have money when you are 65... great tip. If you want to be one of those that can afford to make riskier moves... then I would do other things. It comes down to having money when you are really old or trying to do something with your money today. People that generally go on retirement and wait for that big pay day are thoroughly disappointed... especially if they have been saving so long.

So what would you suggest in lieu of investing through a 401K? And just b/c one invests thru a 401K that doesn't preclude them also making other investments.

And isn't the whole point of investing/saving so one has money for retirement?